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Get the Rewards You Deserve

Get the Rewards You Deserve

Exclusively for Active Duty, National Guard and Reserves E-7 Through E-9

It’s an Honor to Serve You

Your devoted years of service are proof of your commitment to our nation, and we want you to enjoy the benefits of our exclusive Senior Enlisted Reward Program. To take advantage of the great offers below, visit a branch or call us at 1-877-720-7121.

Exclusive Offers

  • Loan Specials You Deserve

    Enjoy a 1% rate discount on consumer loans.1 Your discounted rate remains with the loan even after you retire.

  • Mortgage & Equity Loan Perks

    Receive a $250 loyalty card when you close on a first mortgage or equity loan.2

  • Credit Card Specials

    Get a 0% intro APR for 6 months from account opening on purchases, and on balance transfers made within 60 days for 12 months. After that, a variable APR between 10.74% and 18% applies. $0 intro annual fee on a Visa Signature® Flagship Rewards Card for the first year, $49 annual fee applies thereafter.3 4

Get Up to $500 When You Refer Your Friends5

Refer new Senior NCOs for membership, and you'll get $100 for each one who joins. Remember to provide referrals with your Access Number.

Call Us Today to refer a member. 

Member Benefits

Once you become a member, you’re part of our family. We’re dedicated to providing you all the support you need to reach your financial goals along with the banking experience you deserve.

Membership Is a Big Deal

Our members could earn and save $3496 per year by banking with us. See how you can take advantage of your new membership perks.

Learn More about some of your new membership perks.

Navigating Life in the Military

From transitioning into and out of military life, to being deployed and living overseas, your life is unique. Here are some resources to help you out, no matter where you are.

Learn More about navigating life in the military

We Serve Where You Serve

Finding a nearby branch or no-fee ATM couldn’t be easier. Use our locator tool to find one close to you.

Learn More about our branches & ATMs



1% APR rate discount cannot be combined with any other rate discounts. Underwriting guidelines apply. Financing is available on boats and recreational vehicles used for recreational purposes only. Student loans are not eligible for the 1% rate discount.


Proof of rank will be required to verify program eligibility. The senior enlisted program member must be the primary borrower on the loan to be eligible. The loyalty card will be mailed within 4-6 weeks after you close on a first mortgage purchase or refinance loan, or an equity loan or line of credit. One loyalty card allowed per closing. There are no restrictions on the number of loyalty cards a member may receive. Recipient is solely responsible for any personal tax liability arising out of the acceptance of this offer. Offer may expire anytime without prior notice. Certain product exclusions may apply; ask your loan officer for details. Offer not available to Navy Federal employees when used in conjunction with employee discount.


All offers subject to change at any time. Proof of rank will be required to verify program eligibility. Applicant must be primary account holder on all accounts and applications.


As of 06/04/2023, rates range from 10.74% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. Balance transfer offer: Offer valid for balance transfers from non-Navy Federal credit cards requested within 60 days of account opening. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your available credit line. Balance transfers using convenience checks are excluded from this offer. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the entire balance (including any transferred balances) in full each month by the payment due date. Offer excludes Navy Federal Business, Home Equity Line Platinum and nRewards® Secured credit cards.


Offer can expire anytime without prior notice. To receive the $100 bonus, the person referred for membership must be Active Duty, National Guard and Reserves E-7 through E-9 and be at least 18 years of age. Referring members must be at least 18 years of age and in good standing. Program must be mentioned at the time of joining for account to be credited and referred individuals must have referring member’s name and Access Number. Recruiters are not eligible to refer recruits. If the referred person is ineligible for membership, Navy Federal reserves the right to reclaim the referral awards. Accounts must be in good standing for credit to be processed. Bonus deposited within 14 business days of referred individual's membership being established. Limit 5 referrals per member. Navy Federal employees and their immediate family are not eligible to participate in this program. Recipient is solely responsible for any personal tax liability arising out of the acceptance of this incentive.


Dollar value shown represents the results of the 2022 Navy Federal Member Giveback Study. The Member Giveback Study takes into consideration internal market analyses comparing Navy Federal products with industry national averages, as well as member discounts, incentives, and other savings.